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Drajat Stiawan
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Velocity: Journal of Sharia Finance and Banking
Published by Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
ISSN : 2797247X     EISSN : 27971546     DOI : https://doi.org/10.28918/velocity
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Velocity: Journal of Sharia Finance and Banking is a journal that provides authoritative scientific information sources for researchers and academics in academia, research institutions, government agencies, and industry. ISSN Print is 2797-247X and Online is 2797-1546. We publish original research papers, review articles and case studies focused on Islamic Finance and Banking as well as related topics. All papers were peer reviewed by at least two reviewers. This journal is maintained and published by Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol 5 No 2 (2025): November 2025" : 7 Documents clear
Stabilitas Finansial Bank Muamalat Indonesia dalam Menyikapi Ancaman Resesi Global Stabilitas Finansial Bank Muamalat Indonesia dalam Menyikapi Ancaman Resesi Global Najmudin, M Ghulam; Kurniawan, Pratomo Cahyo Kurniawan; Fitria Berliannanda, Anugrah
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12446

Abstract

Resesi merupakan kondisi penurunan aktivitas ekonomi yang terjadi secara luas dan berlangsung selama beberapa bulan, yang ditandai dengan menurunnya produksi, pendapatan riil, dan tingkat ketenagakerjaan. Penurunan ini juga diikuti oleh berkurangnya daya beli masyarakat serta meningkatnya jumlah pengangguran terbuka. Penelitian ini bertujuan untuk menganalisis dinamika kinerja keuangan PT. Bank Muamalat Indonesia Tbk di tengah bayang-bayang ancaman resesi global. Penelitian ini menggunakan metode studi pustaka dengan pendekatan kualitatif deskriptif. Hasil analisis menunjukkan bahwa Capital Adequacy Ratio (CAR) Bank Muamalat Indonesia periode 2019 hingga kuartal ketiga 2023 berada pada kategori sangat sehat. Return On Assets (ROA) dalam periode yang sama berada dalam kondisi cukup sehat, sementara Non-Performing Financing (NPF) dan Financing to Deposit Ratio (FDR) berada dalam kondisi sehat. Adapun rasio Beban Operasional terhadap Pendapatan Operasional (BOPO) tercatat dalam kategori kurang sehat.
Pemetaan Penelitian Pembiayaan di Baitul Mal wat Tamwil: Studi Bibliometrik VOSviewer dan Literature Review Fahmi, Fahmi Amru Ar-Rifa'i; Agustiawan, Muhammad Iqbal; Aulia, Keisya Valentina; Aliyana, Ama Dwi
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.11845

Abstract

This study aims to map the development of studies on financing in Baitul Mal Wat Tamwil through a bibliometric approach with the help of a VOSviewer and a literature review. The study covers 56 years, from 1970 to 2025, with data obtained from searches on the Open Alex website using the keywords “financing in BMT” and “financing in Baitul Mal Wat Tamwil.” The search yielded a total of 568 scientific articles. These articles were then analyzed descriptively, processed using VOSviewer software, and reviewed through a literature review to obtain a visual overview of the mapping of developments in topics and research subjects related to financing in BMT. The analysis results show that publications on the funding in Baitul Mal Wat Tamwil have increased significantly yearly, but have declined in the last three years. Furthermore, based on the visual mapping with VOSviewer, it was found that research on financing in BMT is divided into 5 clusters. Meanwhile, the literature review identified 4 main themes and 42 research topics related to financing in BMT.
Green Marketing and Sustainable Consumer Behavior: A Study on Repurchase Intentions of Muslim Fashion Buttonscarves in Jabodetabek Lubis, Deni; Syifa Izzati Anzania Putri; Muhammad Shulthoni
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12257

Abstract

This study investigates the impact of green marketing strategies, brand image, and brand trust on consumers' repeat purchase intentions concerning sustainable fashion products in Indonesia, focusing on Buttonscarves. In this context, green marketing strategies are considered a strategic approach that may influence consumer preferences and decisions regarding environmentally friendly products. The research aims to identify the characteristics of Buttonscarves consumers, examine the effects of variables such as environmentally friendly products, green products, green prices, and green promotions on repeat purchase intention, and assess the influence of brand image and brand trust on purchasing decisions. This study utilizes primary data collected through online questionnaires. The findings reveal that environmentally friendly products, green products, green promotions, and brand image significantly affect the repeat purchase intention of Buttonscarves products.
Determinasi Kepuasan Nasabah BSI Mobile: Peran Kualitas Sistem, Informasi, dan Kemudahan Akses Suhita, Sifa Uchtiat; Happy Sista Devy
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12447

Abstract

This study aims to analyze the effect of system quality, information quality, and ease of access on customer satisfaction among users of the BSI Mobile application in Pekalongan Regency. This study uses a quantitative approach with purposive sampling techniques on 96 respondents. The data were analyzed using multiple linear regression with validity, reliability, and classical assumption tests. The results show that system quality has a significant negative effect on customer satisfaction, while information quality and ease of access have a significant positive effect. Simultaneously, all three variables have a significant effect on customer satisfaction. The finding regarding the negative effect of system quality is inconsistent with some previous studies, indicating that customers have high expectations of the performance of the BSI Mobile application. The implications of this study encourage improvements in system quality and user experience through system updates and digital education for customers.
Dampak Ketidakpastian Kebijakan Ekonomi Global Terhadap Pembiayaan: Studi Bank Umum Syariah di Indonesia Mashilal; Afendi, Arif
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12466

Abstract

Peningkatan volatilitas ketidakpastian ekonomi global dapat menimbulkan efek spillover pada perekonomian domestik, termasuk perbankan syariah. Penelitian ini mengkaji dampak Global Economic Policy Uncertainty (GEPU) terhadap pembiayaan bank umum syariah di Indonesia, dengan variabel spesifik-bank yaitu Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), dan Non-Performing Financing (NPF) sebagai variabel kontrol. Penelitian ini menggunakan analisis regresi berganda pada data time-series bulanan dari Januari 2020 hingga Desember 2024. Temuan penelitian mengungkapkan bahwa GEPU memiliki pengaruh negatif tidak signifikan terhadap pembiayaan bank umum syariah. Hal ini menunjukkan bahwa ketidakpastian ekonomi global tidak secara signifikan menghambat pertumbuhan pembiayaan bank syariah. Sementara itu, variabel spesifik-bank memainkan peran penting: CAR dan FDR berpengaruh positif dan signifikan terhadap pembiayaan, sedangkan NPF memberikan dampak negatif dan signifikan terhadap pembiayaan bank umum syariah di Indonesia. Penelitian ini menegaskan pentingnya manajemen risiko yang kuat, kecukupan modal, dan optimalisasi likuiditas untuk mendukung pertumbuhan pembiayaan bank syariah. Pembuat kebijakan dan bank syariah harus memprioritaskan pemantauan kredit, kebijakan makroprudensial, serta literasi keuangan syariah untuk mengurangi dampak guncangan eksternal dan memperluas ekspansi pembiayaan.
Risk-Based Bank Rating (RBBR) Sebagai Alat Evaluasi Kesehatan Bank Syariah: Analisis Pada PT Bank KB Bukopin Syariah Tahun 2021–2023 Oktaviani, Riska Tri; Choirunisa', Zuliana; Cintani, Angelina; Handayani, Dwi; Rosyida, Nadia Alya
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12598

Abstract

Perkembangan industri perbankan menuntut setiap bank untuk menjaga tingkat kesehatan keuangan dan operasionalnya guna mempertahankan kepercayaan nasabah dan stabilitas sistem keuangan. Penilaian kesehatan bank diperlukan untuk memantau kinerja dan mengidentifikasi potensi risiko yang dapat memengaruhi keberlangsungan usaha. Salah satu metode penilaian yang digunakan adalah Risk Based Bank Rating (RBBR), yang menilai kesehatan bank berdasarkan empat faktor utama, yaitu Risk Profile, Good Corporate Governance (GCG), Earning, dan Capital. Penelitian ini bertujuan menganalisis tingkat kesehatan Bank Bukopin Syariah selama periode 2021–2023 dengan menggunakan pendekatan RBBR. Penelitian menggunakan metode deskriptif kuantitatif dengan memanfaatkan data sekunder yang diambil dari laporan keuangan tahunan bank dan publikasi penilaian GCG. Analisis dilakukan dengan menghitung rasio keuangan yang mencerminkan risiko kredit, likuiditas, efisiensi, profitabilitas, serta kecukupan modal, kemudian dibandingkan dengan standar penilaian kesehatan bank yang berlaku. Hasil penelitian menunjukkan bahwa berdasarkan faktor Risk Profile, Bank Bukopin Syariah berada pada kategori Sehat, mencerminkan risiko yang terkendali. Faktor Good Corporate Governance memperoleh predikat Sehat, menunjukkan penerapan tata kelola yang baik. Dari sisi Earning, bank berada pada kategori Tidak Sehat, mengindikasikan kinerja profitabilitas yang belum optimal. Sementara itu, faktor Capital dinilai Sangat Sehat, menunjukkan permodalan yang kuat dan berada jauh di atas ketentuan minimum.
Analisis Keputusan Investasi Atas Pengesahan Undang-Undang Ibu Kota Negara Nusantara: Studi Pada Perusahaan Syariah di IDX-MES BUMN Yudha Pratama, Versiandika; Aris Safii, Muhammad; Naila Khoiroh, May; Nur Malia, Fitra
Velocity: Journal of Sharia Finance and Banking Vol 5 No 2 (2025): November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i2.12736

Abstract

This study aims to determine whether there is a difference in the average abnormal return on BUMN work sector companies indexed on the IDX-MES BUMN before and after the ratification of the Nusantara National Capital City Law on 18 January 2022. This research belongs to the type of event study and the data used in this study is secondary data in the form of stock price data. With a sampling technique using purposive sampling method, 8 BUMN and supporting work sector companies were obtained as research samples. This study uses an observation period of 11 effective market working days, namely 5 days before the event, 1 day during the event, and 5 days after the ratification of the IKN Law. Meanwhile, the estimation period used is for 120 effective market working days. The tests carried out are one sample t-test and paired sample t-test, if the data is normally distributed and if it is not normal then use the Wilcoxon signed ranked test. The results showed that the event of the ratification of the IKN Nusantara Law had an impact on investor reactions. Before the ratification, investors tended to react negatively, resulting in a negative and significant abnormal return. However, after there was certainty from the government regarding the IKN development project which would collaborate with the BUMN work sector, investors reacted positively and flocked to invest in BUMN work and support sector stocks.

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